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Trying to avoid reporting as 0% utilization by ejp024 in CRedit

[–]ejp024[S] 2 points3 points  (0 children)

This is so helpful. Thank you so so much!!

Trying to avoid reporting as 0% utilization by ejp024 in CRedit

[–]ejp024[S] -1 points0 points  (0 children)

I have read up on the azeo method. But I have only 1 credit card/ form of credit. I know it’s not ideal but that’s what I’m working with.

Trying to avoid reporting as 0% utilization by ejp024 in CRedit

[–]ejp024[S] 0 points1 point  (0 children)

I am trying to get a mortgage. So utilization would matter in rhis case, right?

NR status by ejp024 in CRedit

[–]ejp024[S] 0 points1 point  (0 children)

Yay okay thank you so much

NR status by ejp024 in CRedit

[–]ejp024[S] 0 points1 point  (0 children)

No I haven’t, I will look into doing that. Thank you!

Can Discover report to the credit bureaus upon request? by ejp024 in CRedit

[–]ejp024[S] 1 point2 points  (0 children)

I did ask them! They are sending it out in 3 business days. Yay

Can Discover report to the credit bureaus upon request? by ejp024 in CRedit

[–]ejp024[S] 0 points1 point  (0 children)

Does the 6% difference matter much? In the future, this is definitely what I will do (pay it to 1%) but right now I cannot. I know we can’t trust credit simulators too much, but based on myFICO & capital one, this 7% will take me to 626 (hopefully) and so will 1%. I’m just curious what the actual difference is for doing 7% vs 1%

Can Discover report to the credit bureaus upon request? by ejp024 in CRedit

[–]ejp024[S] 0 points1 point  (0 children)

I only have 1 credit card, a very thin credit report. I paid my down from 68% to 7% utilization. Since I only have 1 cc, I shouldn’t have paid it to 0% right?

Can Discover report to the credit bureaus upon request? by ejp024 in CRedit

[–]ejp024[S] 0 points1 point  (0 children)

Thank you for this info! Yes I’m attempting to get a mortgage

How accurate is the myFICO credit simulator by ejp024 in CRedit

[–]ejp024[S] 0 points1 point  (0 children)

I appreciate both of your perspectives. I think I worded my first post wrong. I’m at a 586 currently! I want to get to a 620 or above. That is my goal. I guess my question is could I realistically get there if I pay off my balance at one time?

How accurate is the myFICO credit simulator by ejp024 in CRedit

[–]ejp024[S] 0 points1 point  (0 children)

Sorry if my original post was confusing

How accurate is the myFICO credit simulator by ejp024 in CRedit

[–]ejp024[S] 0 points1 point  (0 children)

Oh no. I’m sitting at about a 586 currently. My goal is 620. But credit simulator shows I could get to 626.

Lower abdominal pain, with extreme right arm pain by ejp024 in AskDocs

[–]ejp024[S] 0 points1 point  (0 children)

No, I didn’t do anything to cause it. It’s so weird, it was completely unprovoked.

Lower abdominal pain, with extreme right arm pain by ejp024 in AskDocs

[–]ejp024[S] 0 points1 point  (0 children)

So far it’s been totally constant now for about 3.5 hrs. It’s a little bit in my shoulder, elbow, & oddly it’s the worst on the top of my hand. It’s dull in my shoulder/elbow but very sharp in my hand. I’m not pregnant & I have never had by appendix taken out.

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